Call reports 2025
COMMUNITY SPIRIT BANK — 2025
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 211,940,000 | 212,579,000 | 215,277,000 | 220,292,000 |
| Total loans | 137,413,000 | 140,884,000 | 142,969,000 | 146,430,000 |
| Allowance for loan losses | 1,797,000 | 1,832,000 | 1,873,000 | 1,920,000 |
| Securities available for sale | 43,665,000 | 43,348,000 | 44,693,000 | 44,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,601,000 | 193,586,000 | 194,843,000 | 198,159,000 |
| Interest-bearing deposits | 143,566,000 | 144,507,000 | 144,692,000 | 149,562,000 |
| Noninterest-bearing deposits | 50,035,000 | 49,079,000 | 50,151,000 | 48,597,000 |
| Equity capital | 15,229,000 | 15,626,000 | 17,043,000 | 17,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,017,000 | 6,176,000 | 9,444,000 | 12,792,000 |
| Interest expense | 868,000 | 1,725,000 | 2,593,000 | 3,459,000 |
| Net interest income | 2,149,000 | 4,451,000 | 6,851,000 | 9,333,000 |
| Noninterest income | 1,026,000 | 1,511,000 | 1,981,000 | 2,444,000 |
| Noninterest expense | 1,873,000 | 3,837,000 | 5,813,000 | 7,861,000 |
| Provision for loan losses | 50,000 | 85,000 | 127,000 | 190,000 |
| Pretax income | 1,252,000 | 2,040,000 | 2,892,000 | 3,726,000 |
| Income tax | 44,000 | 96,000 | 147,000 | 164,000 |
| Net income | 1,208,000 | 1,944,000 | 2,745,000 | 3,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,461,000 | 20,716,000 | 21,241,000 | 21,725,000 |